Diverse credit packages, accompanying customers

BHG - For nearly 35 years accompanying the people of Ha Giang highlands, with the mission of accompanying the socio-economic development, Agribank Ha Giang Branch has been constantly diversifying credit products to meet the needs of customers in the area.

Currently, Agribank Ha Giang Branch is providing full general credit packages according to Agribank's regulations nationwide and focusing on implementing credit packages suitable to the characteristics of the mountainous province, suitable for local customers. In particular, the credit packages serving agricultural production, livestock development, crop cultivation and household economic models are prominent.

In particular, the Branch also focuses on supporting loans for ethnic minority households and customers living in remote areas to develop the economy and escape poverty. Individual customers are also interested in many credit packages such as home loans for young customers, car loans or for production, business and living activities with interest rates from 2.8%/year.

Agribank staff consult and introduce products to customers.

Each credit package is designed with separate incentives to meet the needs and financial capabilities of each customer group. For example, agricultural credit packages have preferential interest rates and flexible loan terms, helping people easily access capital to invest in production, purchase agricultural materials and livestock equipment. For corporate customers, Agribank Ha Giang Branch provides credit packages for production and business with competitive interest rates and loan terms adjusted according to the business cycle of the enterprise. In addition, the bank also issues credit cards with many incentives on interest rates and suitable credit limits, helping customers have more flexible options when paying and spending.

To be granted credit, customers need to meet basic conditions such as: Having complete and valid documents, feasible capital usage plans and clear sources of debt repayment. In addition, for agricultural production households, Agribank Ha Giang Branch regularly provides consulting support and guidance to customers to complete loan applications, to ensure the fastest and most convenient approval process.

A strong point of Agribank Ha Giang's credit packages is the flexibility of interest rates and loan terms. Depending on the type of credit and the customer, interest rates can be adjusted to suit the repayment capacity and actual needs. Credit packages serving agricultural production often have more preferential interest rates than commercial credit packages. Loan terms are also adjusted according to the production cycle or working capital needs of customers, helping to reduce debt repayment pressure and create favorable conditions for investment in production expansion.

In order to ensure that credit packages reach many customers, Agribank Ha Giang Branch has actively implemented activities to promote and advertise credit products. The bank has promoted direct access to villages, coordinated with local authorities and mass organizations such as the Farmers' Association and the Women's Association to introduce preferential loan packages.

Looking to the future, Agribank Ha Giang Branch is committed to continuing to develop and adjust credit packages to suit customer needs and local socio-economic development trends. The bank will focus on green credit packages, supporting clean agricultural production, as well as credit packages serving digital transformation and digital economy in agriculture. At the same time, the branch will continue to improve loan procedures, enhance service quality and expand the network of transaction points to bring the best benefits to customers.

Thanks to its tireless efforts, Agribank Ha Giang Branch has become a trusted companion of local people and businesses, contributing to promoting sustainable economic development and improving the lives of the community in the province.

Article and photos: Nhu Nguyet

Source: https://baohagiang.vn/kinh-te/202505/da-dang-goi-tin-dung-dong-hanh-cung-khach-hang-24d6b6c/